Terms & Conditions for RBL Bank Suvidha Application

These Terms and Conditions (“T&Cs”) shall be applicable to the Borrower(s) (defined hereinafter) that are utilising the Application provided by RBL Bank Limited (“RBL Bank”).

1. Definitions:

The following words and phrases shall have the meanings set out herein below in this document unless repugnant to the context:

1. “API” means a defined set of routines, protocols, tools, and specifications made available by one party to enable the integration, interaction, or communication of its software, systems, or services with those of another party and includes its associated documentation, code libraries, interface definitions, and any updates, enhancements, or modifications thereto, and may be used solely for the purposes expressly permitted under this T&Cs.
2. “Applicable Law” shall mean all laws, statutes, enactments, acts of legislature, rules, regulations, ordinances, notifications, circulars, guidelines, directives, and orders issued or passed by Authority in India, which have the force of law and are applicable from time to time.
3. “Authorised Transaction” shall mean the Transaction initiated by the Borrower(s) using his/her credentials viz. passcode etc. through UPI as stipulated under these T&Cs.
4. “Bank SDK” mean the software development kits (SDKs) owned and/or developed by RBL Bank for facilitating Transactions for the Borrower(s) through UPI.
5. “Borrower” shall mean an individual who has been sanctioned a Loan from RBL Bank and is liable to repay the same in accordance with the terms and conditions of the Sanction Form.
6. “Device” shall mean any electronic device including but not limited to mobile phone, tablet that enables the Borrower(s) to access the Suvidha Application and repay the Loan.
7. “DPDPA” means the Digital Personal Data Protection Act, 2023.
8. “EMI” shall mean the equated monthly instalment, which represents the fixed monthly payment amount payable by the Borrower(s) to RBL Bank for the repayment of the Loan, inclusive of both principal and interest, over the agreed Loan Tenure.
9. “IFSC” means the Indian Financial System Code.
10. “KYC” shall mean Know Your Customer.
11. “Loan” shall mean microfinance facility sanctioned and disbursed by RBL Bank to the Borrower(s) in accordance with the terms and conditions agreed by the Borrower(s) in the Sanction Form.
12. “Loan Tenure” shall mean the 36-month time period stipulated by RBL Bank for repayment of the Loans availed by the Borrower(s) from RBL Bank as such other tenure as mentioned in the Sanction Form.
13. “Mailing Address” is the address of the Borrower(s) recorded with RBL Bank as the address to which all correspondence of any kind is to be sent to the Borrower(s).
14. “MPIN” shall mean the Mobile Personal Identification Number for Suvidha Application which is a four-six digits passcode used to authenticate and verify identity on the Suvidha Application.
15. “NPCI” means the National Payments Corporation of India.
16. “PAN” means the Permanent Account Number.
17. “PIN” shall mean Personal Identification Number.
18. “Personal Information” shall have the meaning ascribed to such term in the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the DPDPA or any other Applicable Law, as amended from time to time, of the Borrower(s), which, either directly or indirectly, in combination with other information available or likely to be available with RBL Bank is capable of identifying such person and which consists of information relating to: (i) passwords; (ii) financial information; (iii) physical, physiological and mental health condition; (iv) sexual orientation; (v) medical records and history; (vi) biometric information for processing or storing under a lawful contract or otherwise.
19. “Privacy Policy” shall have the mean the policy uploaded on RBL Bank’s website or provided to the Borrower and as modified or amended from time to time.
20. “QR Code” means a machine-readable, two-dimensional matrix barcode that encodes information used to initiate and process digital payment transactions within the NPCI ecosystem. and may contain static or dynamic data, including but not limited to the payee’s Virtual Payment Address (VPA), bank account details, IFSC, transaction amount, merchant information, or other identifiers required for a UPI or Bharat QR Transaction.
21. “RBI” means the Reserve Bank of India.
22. “RBL Bank’s Website” means www.rblbank.com.
23. “Registered Number” is the mobile number which the Borrower(s) has registered with RBL Bank for availing the Loan.
24. “Sanction Form” shall mean the terms and conditions stipulated by RBL Bank and agreed by the Borrower for providing Loan to the Borrower and such other documents as may be executed between RBL Bank and the Borrower.
25. “SIM” shall mean a Subscriber Identity Module, being a physical or embedded integrated circuit card issued by a licensed mobile network operator, which securely stores the International Mobile Subscriber Identity and related cryptographic keys and authentication data necessary to identify and authenticate a subscriber on a mobile telecommunications network.
26. “SMS” shall mean Short Messaging Service.
27. “Suvidha Application” shall mean RBL Bank’s Suvidha mobile application which will be downloaded on the Device of the Borrower for the purposes of facilitating repayment of microfinance loans availed from RBL Bank.
28. “Taxes” shall mean all present and future central, state, and local levies, taxes, duties, fines, penalties, cess if any (including without limitation sales taxes, value added taxes, excise duties, customs duties, or goods and services tax) levies, imposed or collected by any government, quasi-government, municipal authority, or any statutory body, as the case may be.
29. “TPAP” means an entity participating as the third-party application provider in the UPI ecosystem of the NPCI enabling Transaction.
30. “Transaction” shall mean successful transfer of funds by the Borrower(s) to RBL Bank through the Application for the purpose of repaying the Loan using UPI as a mode of payment.
31. “UPI” means the Unified Payments Interface, a multi-platform operable payment network solution which is being provided by NPCI for the purpose of collecting monies from someone (pull) pursuant to the rules, regulations and guidelines issued by NPCI, RBI from time to time.
32. “UPI PIN” shall mean password, biometrics, PIN etc. as created by the Borrower(s) from time to time, which shall be required by the Borrower(s) for repayment of Loans through UPI.
33. “Virtual Payment Address” or “VPA” shall mean a payment identifier for collecting money enabling the Borrower to complete a Transaction without having to enter the account credentials of the beneficiary, issued by NPCI.

2. Interpretation:

All references to singular include plural and vice versa and the word “includes” should be construed as “without limitation”. References to any statutory provision includes any amended or re-enacted version of such provision with effect from the date on which it comes into force. Headings are inserted for convenience only and shall not affect the interpretation or construction of these T&Cs. The words “hereof”, “herein” and “hereunder” and words of similar import, when used in these Terms shall refer to these Terms as a whole and not to any particular provision of these Terms. The words “include”, “includes” and “including” when used in these Terms are deemed to be followed by the phrase “without limitation” or “but not limited to”.

3. Applicability of Terms and Conditions and Authority to RBL Bank:

1. By applying for, accessing, or using the Suvidha Application, the Borrower expressly acknowledge and agree to be bound by these Terms and Conditions and RBL Bank’s Privacy Policy, which together constitute a legally enforceable agreement between the Borrower and RBL Bank. The Borrower further consent and agree that RBL Bank may, at its sole discretion, modify, amend, or update these Terms and Conditions from time to time, with such changes becoming effective upon publication or communication, and continued use of the Suvidha Application shall constitute acceptance of such revised terms.
2. The Borrower agrees that RBL Bank may modify the process for authentication, registration and/or verification of the Borrower, at any time, at its sole discretion.
3. The Borrower agrees that no act, delay or omission by RBL Bank shall affect its rights, powers and remedies under these T&Cs.

4. Registration and use of Suvidha Application:

1. The Borrower understands and acknowledges that the Borrower can avail services under the Suvidha Application after downloading the Suvidha Application on his/her Device and setting the MPIN. The Borrower agrees and confirms that the Suvidha Application may be discontinued at any time, without prior notice to the Borrower and Borrower shall continue to service the loan through any other mode other than through Suvidha Application.
2. The Borrower agrees and understands that upon downloading and installing the Suvidha Application, the Borrower shall be required to complete a one-time registration process by providing such information and credentials as may be required by RBL Bank. The Borrower further agrees and understands that following successful registration, the Borrower shall set a MPIN, which shall serve as a secure means of authentication for accessing and undertaking a Transaction through the Suvidha Application. The Borrower further agrees and understands that by completing the registration process and setting the MPIN, the Borrower expressly authorize RBL Bank to access, retrieve, process, and display their loan-related data, including outstanding balances, due dates, and repayment history, within the Suvidha Application, solely for the purpose of facilitating awareness and repayment of loans availed from RBL Bank.

5. Loan and EMI Payment Terms via Suvidha Application:

1. The Borrower acknowledges and agrees that any payment initiated through the Suvidha Application towards repayment of Loan or EMI obligations using the UPI shall be deemed successfully made to RBL Bank only upon the actual receipt of the funds by the RBL Bank.
2. The Borrower acknowledges and agrees that all such payments shall be credited to the relevant loan account on a T+1 basis (i.e., on the next Business Day following the date of successful Transaction completion), subject to receipt of clear and settled funds by RBL Bank. The Borrower acknowledges and agrees that RBL Bank shall not be responsible for any delays or failures in fund settlement attributable to payment system participants, including TPAPs, Payment Service Providers (PSPs), banks, NPCI, or any other intermediaries. The Borrower acknowledges and agrees that the Borrower shall ensure that the date of Transaction through the Suvidha Application falls on or before the due date as prescribed in the Sanction Form, or repayment schedule. The Borrower further acknowledges and agrees that any Transaction initiated after such due date shall be considered a late payment, and the Borrower shall remain liable to pay applicable penal interest, late payment charges, or other consequences in accordance with the terms and conditions of the Sanction Form executed with RBL Bank.
3. The Borrower acknowledges and agrees that RBL Bank shall not be liable for any adverse impact arising from the Borrower’s failure to ensure timely initiation or settlement of payments. The Borrower expressly acknowledges and agrees that:
   1. RBL Bank shall credit only the actual amount received;
   2. any shortfall, duplication, delay, or failure in payment caused due to incorrect entry of details (such as VPA or QR Code provided by RBL Bank and displayed in the Suvidha Application, amount, loan reference number), insufficient balance, network issues, or technical malfunction of the Suvidha Application or any third-party system shall be at the sole risk and responsibility of the Borrower; and
   3. RBL Bank shall not be obligated to reverse or rectify such Transactions unless required by Applicable Law.
4. Further, the Borrower understands that any payment initiated via UPI is subject to the rules, processing timelines, and limitations imposed by NPCI and the UPI ecosystem, including Transaction limits, cut-off timings, and system downtime. The Borrower is advised to initiate payments well in advance of the due date to avoid any penalties or defaults. The Borrower acknowledges and agrees that nothing in this clause shall prejudice or limit the RBL Bank’s rights or remedies under the Sanction Form, and all payment obligations through the Suvidha Application shall be construed as supplementary to, and not in substitution of, the primary contractual obligations under the Sanction Form.

6. Confidentiality of Information and Non-Disclosure:

1. The Borrower acknowledge and agree that Borrower shall not disclose, share, or respond to any unsolicited or unauthorized communication including SMS, email, or phone calls requesting confidential information such as account details, login credentials, verification codes, or other sensitive data. The Borrower acknowledge and agree that RBL Bank shall not, under any circumstances, be held responsible or liable for any loss, damage, or unauthorized transaction incurred by the Borrower as a result of the disclosure or compromise of the Borrower’s Registered Number, email address, Mailing Address, or any other verification credentials or modes of authentication prescribed by RBL Bank from time to time, whether such disclosure was made knowingly, inadvertently, or through any unauthorized or fraudulent channel. The Borrower acknowledge and agree that the security and confidentiality of such information shall remain the sole responsibility of the Borrower, and any failure to maintain the same shall be at the Borrower’s own risk and consequence.

7. General Business Rules Governing Suvidha Application:

1. MPIN Entry and resetting MPIN: The Borrower understands and agrees that in the event the Borrower enters an incorrect MPIN three consecutive times, access to the Suvidha Application shall be automatically blocked. The Borrower further understands and agrees that the Borrower shall be required to reset MPIN in accordance with the procedures prescribed by RBL Bank from time to time.
2. Right to Refuse Access: The Borrower understands and agrees that RBL Bank reserves the right, at its sole discretion and without assigning any reason or prior notice, to accept or reject any request for access to or use of the Suvidha Application.
3. Operating System Compatibility: The Borrower understands and agrees that RBL Bank shall have no obligation to support all existing or future versions of mobile device operating systems. The Borrower further understands and agrees that support for any version may be withdrawn at any time without prior notice. The Borrower further understands and agrees access to or functionality of the Suvidha Application may be affected by such changes, and RBL Bank shall not be liable in this regard.
4. Device Limitation and Re-registration: The Borrower understands and agrees that the Suvidha Application may be accessed only from a single Device registered with RBL Bank. The Borrower further understands and agrees that in the event of a change in Device, the Borrower shall complete the re-registration process as per RBL Bank’s prevailing requirements.
5. Modifications and Notifications: The Borrower understands and agrees that any amendments to the operational rules, features, or processes of the Suvidha Application shall be communicated by publishing such changes on RBL Bank’s Website. The Borrower unequivocally understands and agrees that such publication shall constitute sufficient and binding notice to the Borrower, and RBL Bank shall not be obligated to issue separate or individual notifications. The Borrower understands and agrees that RBL Bank shall not be liable for any losses incurred by the Borrower due to failure to review such updates.
6. EMI Repayment via Suvidha Application: The Borrower understands and agrees that Borrower opting to repay Loans via EMIs through the Suvidha Application: (i) shall be solely responsible for timely repayment; (ii) must have a valid TPAP installed on the registered Device; and (iii) must hold a valid and active UPI identification issued by TPAP for successful Transaction initiation through the Suvidha Application.

8. Accuracy of Information and Record of Loan & Transaction(s):

1. The Borrower acknowledge and agree that all information displayed or made available through the Suvidha Application including but not limited to Loan account balances, repayment due dates, Transaction history, payment status, and confirmations is provided solely for informational and convenience purposes. The Borrower further acknowledges and agrees that such information may be subject to delays, inaccuracies, or omissions due to system limitations, processing times, third-party dependencies, or other technical or operational factors, and may not represent the most current status of the Borrower’s Loan account.
2. The Borrower further acknowledge and agree that RBL Bank does not warrant the completeness, accuracy, or real time nature of any such information, and the official, conclusive, and legally binding record of all Loan related details shall be as maintained in the internal systems and books of RBL Bank.
3. The Borrower acknowledge and agree that the Suvidha Application may rely on or incorporate services provided by third-party vendors, including but not limited to payment gateways, data aggregators, and identity authentication service providers, the availability, functionality, and accuracy of which are not guaranteed by RBL Bank. The Borrower further acknowledge and agree that RBL Bank shall not be liable for any loss, damage, delay, or disruption arising from the failure or malfunction of such third-party services.
4. The Borrower further acknowledge and agree that the Borrower shall remain solely responsible for verifying any time sensitive or critical Loan information through official RBL Bank communication channels or customer support. The Borrower further acknowledge and agree that the performance and accessibility of the Suvidha Application may vary depending on Device specifications, operating systems, software versions, and internet connectivity, and RBL Bank does not guarantee compatibility or uninterrupted access across all platforms or devices. The Borrower understands and agrees that nothing contained in the Suvidha Application shall be construed as financial, legal, or tax advice, and the Borrower is advised to seek independent professional advice before making any financial decisions based on information displayed in the Application.
5. The Borrower unequivocally agree and accept that use of the Suvidha Application constitutes acceptance of the above limitations and disclaimers.

9. Responsibilities of the Borrower:

1. The Borrower acknowledge and agree that the Borrower shall be solely responsible for initiating UPI based payments through a TPAP to the correct VPA as informed or displayed by RBL Bank within the Suvidha Application. The Borrower acknowledge and agree that RBL Bank shall not be liable for any erroneous, incomplete, or misdirected payments resulting from the Borrower's failure to verify payment details prior to initiating a Transaction.
2. The Borrower acknowledge and agree that the Borrower shall ensure the confidentiality and security of the Device, SIM, UPI PIN, MPIN, and any other authentication credentials used to access the Suvidha Application. The Borrower acknowledge, agree and accept full responsibility for preventing unauthorized access to or use of the Suvidha Application and shall be solely liable for any loss or misuse resulting from compromised Device or credential security.
3. The Borrower acknowledges and agrees that in the event of loss, theft, or compromise of the Borrower's Device or SIM, the Borrower shall immediately report the incident to RBL Bank and initiate the de-registration process for Suvidha Application at the Borrower’s designated home branch or as per the procedures notified by RBL Bank from time to time.
4. The Borrower acknowledge and agree that the Borrower shall be solely liable for any unauthorised, unlawful, or fraudulent use of the Suvidha Application, including any misuse of the Borrower's UPI PIN, MPIN, passwords, or credentials. This includes any Transactions, whether or not authorised by the Borrower, that are processed through the Suvidha Application using the Borrower’s Device or Registered Number.
5. The Borrower acknowledge, agree, and accepts that for the purposes of Loan or EMI repayment, any Transaction initiated from the Borrower's Registered Number with RBL Bank shall be conclusively deemed to have been authorised and initiated by the Borrower, and RBL Bank shall be entitled to rely upon such transaction without further verification.
6. The Borrower acknowledge and agree that the Borrower shall be solely responsible for all payment transactions made using the Suvidha Application, including any erroneous, incorrect, duplicate, or mistaken Transactions, regardless of whether such Transactions were authorised or intended by the Borrower. The Borrower acknowledge and agree that RBL Bank shall not be liable to reverse or compensate such Transactions unless otherwise mandated by Applicable Law.
7. The Borrower acknowledge and agree that the Borrower shall be liable for all losses arising out of any breach of these T&Cs, negligence, failure to maintain the confidentiality of credentials, or delay in reporting unauthorised access to RBL Bank within a reasonable time. The Borrower acknowledge and agree that RBL Bank shall not be responsible for any loss arising due to the Borrower's failure to act with reasonable care or vigilance.
8. The Borrower acknowledge and agree that the Borrower shall, at their own cost and responsibility, ensure timely upgrades of the Suvidha Application, mobile operating system, hardware, and software, in accordance with updates released by RBL Bank from time to time. RBL Bank shall not be under any obligation to support outdated or unsupported Devices, operating systems, or application versions.
9. The Borrower acknowledge and agree to ensure that his/her Device is periodically scanned and protected using authorised and up-to-date antivirus and anti-malware software. The Borrower acknowledge and agree that the Borrower assumes sole responsibility for ensuring that the Device is free from malicious software or threats that could compromise the security or functionality of the Suvidha Application.
10. The Borrower acknowledge and agree that all communications, instructions, alerts, or notices from RBL Bank in relation to the Suvidha Application shall be deemed duly delivered if sent to the Borrower's email address registered with RBL Bank. The Borrower acknowledge and agree that RBL Bank shall not be responsible for any non-receipt, delay, or mis-delivery of such communication for any reason whatsoever.

10. Disclaimer of Liability:

1. The Borrower expressly acknowledges and agrees to the following disclaimers, limitations of liability, and risk allocations in connection with the use of the Suvidha Application offered by RBL Bank that the Suvidha Application is provided by RBL Bank on an “as is” and “as available” basis, without any express or implied warranties of any kind, including but not limited to those relating to performance, availability, reliability, accuracy, merchantability, fitness for a particular purpose, or non-infringement.
2. The Borrower acknowledges and agrees that use of the Suvidha Application is at his/her sole risk, and RBL Bank shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to loss of business, revenue, profits, data, goodwill, or opportunity, arising from or in connection with the use, inability to use, or unavailability of the Suvidha Application. The Borrower further acknowledges and agrees that RBL Bank disclaims all liability for delays, failures, or disruptions due to maintenance, technical errors, telecommunications issues, network outages, system overloads, force majeure events (including natural disasters, legal or regulatory restrictions, strikes, pandemics, or acts of God), or any event beyond its reasonable control.
3. The Borrower acknowledges and agrees that the Suvidha Application may integrate with third-party platforms, including TPAPs, payment gateways, and service providers, over whom RBL Bank exercises no control and assumes no responsibility or liability for their acts, omissions, or service failures. The Borrower further acknowledges and agrees that RBL Bank shall not be liable for any unauthorised access, data breaches, or misuse of the Borrower’s Device, SIM, UPI credentials, or any personal data, nor for any erroneous, failed, duplicate, or fraudulent transactions initiated via the Suvidha Application.
4. The Borrower acknowledges and agrees that the Borrower shall remain solely responsible for ensuring secure use of the Suvidha Application, verifying all transaction details before initiation, updating their Device software and security tools, and immediately notifying RBL Bank of any suspected misuse. The Borrower acknowledges and agrees that RBL Bank shall not be liable for non-receipt of communications due to incorrect contact details or service disruptions. The Borrower acknowledges and agrees that any fraudulent, unlawful, or improper use of the Suvidha Application may result in suspension or termination of access and appropriate legal action, and RBL Bank reserves the right to recover any resulting financial loss, charges, or damages. To the fullest extent permitted by applicable law, the Borrower agrees to fully indemnify and hold harmless RBL Bank, its affiliates, officers, directors, employees, and agents against all claims, losses, liabilities, costs, and damages arising from the Borrower’s use or misuse of the Suvidha Application.

11. Fees and Charges:

1. The Borrower agrees to pay fees/charges as may be informed to the Borrower for availing the Suvidha Application for repayment of Loans as determined and notified by RBL Bank to the Borrower from time to time. The Borrower shall be solely responsible for the payment of all Taxes as may become due and applicable in relation to using the Suvidha Application. RBL Bank reserves the right to modify the fees at any time.

12. Redirection via Bank’s SDK:

1. The Borrower hereby acknowledge and agree that, upon initiating any Transaction through the Suvidha Application by selecting the relevant icon therein, the Application, via Bank’s SDK functionality, will establish a secure connection to an RBL Bank environment embedded within the Suvidha Application. The Borrower(s) expressly consent to such secure redirection and acknowledge that all information transmitted in the course of such process shall be governed by, and subject to, the security protocols and terms applicable to the RBL Bank environment.

13. Borrower Consents and Permissions:

1. The Borrower hereby acknowledge and agree that by registering for and using the Suvidha Application, the Borrower expressly agrees and provides informed, specific, and voluntary consent to RBL Bank, its affiliates, service providers, and authorised third parties to collect, access, store, process, and use the Borrower’s Personal Information, financial, transactional, technical, and Device related information, including communications made through the Suvidha Application, for the purposes of enabling Loan and/or EMI repayments via UPI, performing KYC checks, facilitating secure access, detecting and preventing fraud, and improving the Suvidha Application’s functionality and user experience and includes, without limitation:
   1. personal details (such as name, gender, date of birth, contact information, PAN, marital status, parental details, Mailing Address);
   2. employment and income data;
   3. banking and UPI credentials (including account number and IFSC);
   4. Device-level access to features such as camera, microphone, location, SMS inbox (for OTP auto-fill and authentication), and usage metadata (such as Device type, browser, OS, and IP address);
   5. navigational and behavioural data for technical diagnostics and performance analytics.

   The Borrower acknowledges and consents that such data may be processed through automated means and shared with third-party service providers or processors for onboarding, compliance, and operational purposes, subject to Applicable Laws and RBL Bank’s Privacy Policy. The Borrower further represents that all necessary third-party consents, waivers, and notices required for such data sharing have been duly obtained and shall be maintained for any future disclosures.

2. The Borrower understands and agrees that Borrower may request deletion of his/her personal data and revoke consent at any time as per the provisions of DPDPA as and when becoming effective; however, RBL Bank shall not be liable for continued retention or processing by third-party service providers where permitted by law or governed by independent contractual obligations. The Borrower understands that deletion of data or revocation of consent may limit or prevent access to the Suvidha Application and related services.

14. Indemnity:

1. The Borrower hereby acknowledge and unequivocally agree to indemnity, defend and hold harmless and keep RBL Bank, its directors and employees, representatives, agents and its affiliates indemnified, defend and hold harmless from time to time from and against any litigation, losses, damages, compensations, suits and other proceedings and from and against all costs, charges, and expenses, (including actual attorney fees and costs) that may be incurred or suffered or likely to be incurred or suffered by RBL Bank or asserted against RBL Bank, its affiliates, directors and employees, representatives, or agents arising out of, or in connection with, or in relation to:
   1. Any breach or violation of these T&Cs by the Borrower;
   2. Any unauthorised use of the Suvidha Application by the Borrower;
   3. Doing Transaction and claiming refund or fraud request with NPCI;
   4. Fines, penalties or costs and fees, levied by NPCI against the Borrower and recovered from RBL Bank in the settlement cycle of NPCI;
   5. Fraud, negligence and misconduct on the part of the Borrower resulting into claims against the RBL Bank.
2. The Borrower further agree to promptly pay RBL Bank and/or its affiliates such amounts as may be reasonably determined by RBL Bank and/or its affiliates to be necessary to indemnify and hold them harmless against any such losses, liabilities, or expenses, whether actual or contingent in nature and such demand shall be deemed to be admitted liability and a debt due and payable by the Borrower to RBL Bank.
3. The Borrower also agree to bear all costs, damages, and expenses, including but not limited to reasonable legal fees and court costs, incurred by or awarded against RBL Bank and/or its affiliates in connection with any such claim, suit, action, or proceeding arising from the Borrower’s use of the Suvidha Application.

15. Termination:

1. The Borrower understands and agrees that RBL Bank may, at its discretion, withdraw temporarily or terminate the Suvidha Application, either wholly or in part, at any time without giving prior notice to the Borrower. The Borrower acknowledge and agree that RBL Bank may, without prior notice, suspend the Suvidha Application at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the Suvidha Application. The Borrower understands and agrees that the closure of the account of the Borrower, linked to this Suvidha Application may automatically terminate the access to Suvidha Application.
2. RBL Bank may suspend or terminate the Suvidha Application without prior notice if the Borrower has breached these T&Cs or RBL Bank learns of the death, bankruptcy or lack of legal capacity of the Borrower.

16. Proprietary Rights:

1. The Borrower acknowledges and agrees that all property rights shall at all times remain the Intellectual Property owned by RBL Bank or the relevant third-party vendors, advertisers, affiliates, as the case may be, and Borrower shall not claim ownership or any other right or license with respect to any Intellectual Property contained in Suvidha Application. For the purposes of this paragraph “Intellectual Property” means and includes all intellectual property rights and interests of RBL Bank in and to the Suvidha Application, including without limitation:
   1. The software, source code, object code, design, interface, look and feel, functionality, architecture, and underlying technologies of the Suvidha Application;
   2. All trademarks, trade names, service marks, logos, brand elements, domain names, and business identifiers used in connection with the Suvidha Application;
   3. All copyrights, literary and artistic works, text, graphics, icons, images, audio, video, visual elements, and content displayed on or accessible through the Suvidha Application;
   4. All data, databases, compilations, analytics, algorithms, methodologies, reports, layouts, processes, and know-how developed or used in connection with the Suvidha Application;
   5. Any enhancements, modifications, upgrades, updates, derivative works, documentation, manuals, or related materials, whether registered or unregistered, and whether now existing or created in the future, including all applications and rights to apply for any of the foregoing, under any Applicable Laws in India or internationally.
2. The Borrower acknowledges and agrees that nothing in these T&Cs shall be construed as granting the Borrower or any third party any right, title, interest, license, or permission in or to the Intellectual Property, except as expressly permitted in writing by RBL Bank. The Borrower acknowledges and agrees that the Borrower shall not attempt or reproduce, copy, transmit, publish, perform, broadcast, adapt, store, distribute, display, license, alter and/or hyperlink the property rights without RBL Bank’s prior written consent.

17. Force Majeure:

1. The Borrower acknowledges and agrees that RBL Bank shall not be held liable for any failure or delay in performing its obligations under these Terms and Conditions if such failure or delay results from any event beyond the reasonable control of RBL Bank, including but not limited to acts of God, natural disasters, epidemics, pandemics, lockdowns, quarantine restrictions, fire, flood, explosion, war, terrorism, civil unrest, labour disputes, strikes, lockouts, sabotage, acts of government or regulatory authorities, disruptions to telecommunication, internet, banking or payment infrastructure, system outages, or any other similar or dissimilar cause which materially impairs the performance of the Suvidha Application. The Borrower acknowledges and agrees that RBL Bank’s obligations shall be suspended for the duration of such event and for any additional period reasonably required to resume normal operations and no such failure or delay shall constitute a breach of these T&Cs.

18. Governing Law & Jurisdiction:

The Borrower acknowledges and agrees the T&Cs shall be governed by the laws of India and subject to the exclusive jurisdiction of the Court of Mumbai.

19. Waiver:

The Borrower acknowledges and agrees that no failure or delay by RBL Bank in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any single or partial exercise of any other right, power or privilege. The Borrower acknowledges and agrees that the rights and remedies of RBL Bank hereunder are cumulative and not exclusive of any rights or remedies available in law.

20. Further Assurances:

The Borrower acknowledges and agrees that in connection with the Suvidha Application, the Borrower agrees to execute and deliver such additional documents and perform actions as may be necessary or reasonably requested by RBL Bank to carry out or evidence the Transactions/services carried out or contemplated under the Application.

21. Severability:

The Borrower acknowledges and agrees that if any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable, such provision shall be ineffective only to the extent of such invalidity, illegality, or unenforceability, without affecting the validity, legality, or enforceability of the remaining provisions of these Terms and Conditions.